Although the banking business applies many concepts of CSR to the business, the business however encounters many problems of social responsibility. Additionally, nearly all bank officers misunderstand the concept of CSR as a special part which is separate from daily work. The officers also are occasionally aware of CSR, especially regarding the time to join CSR activities. Considering the aspect of equitable social development, the banking business as a financial intermediary can not succeed to provide financial opportunity to the poor. Moreover, a study of The Thai Institute of Banking and Finance Association (2006: 34) indicates the six roles of the banking business in the Thai economy: saving creation to Thai economy, capital distribution to relieve raising illegal money, employment economic development and financial stability, screening projects and support for businesses providing loans, risk taking instead of businesses, supporting the monetary policy of the government. The banking business has attained all of the roles except the role of capital distribution to relieve raising illegal money in which the poor still raise an illegal loan. These phenomena can be considered to be an imperfection of CSR, which arise from many